Deciding how much insurance you need for your vehicle can be difficult. You want to make sure you are covered in case of an emergency, but not over-insured and paying too much for auto insurance you never use. As the weather gets better, motorcycle fans are going to be gearing up to take their bikes out on the road. If you own a motorcycle and enjoy cruising on it, you may want to consider purchasing uninsured motorist coverage.

Uninsured motorist coverage is an optional coverage as part of your auto insurance policy, but it could provide a little boost of confidence for you while you’re out on the road.

Uninsured motorist coverage

Uninsured motorist coverage is a policy that covers damage to yourself and your motorcycle in case an uninsured driver causes an accident you are involved in. Motorcycle insurance policies are a bit different than car insurance policies, because your vehicle is so much smaller than a regular car. If a motorcycle is hit by another motorcycle, this can cause much less damage than if a motorcycle is hit by a car or truck.

If you have uninsured motorist coverage, it should kick in if you are involved in an accident with an uninsured driver.

As a motorcycle rider, the injuries you can sustain are much greater if you are hit by a car. You want to make sure you have the financial help to not only fix or replace your motorcycle, but to pay any medical bills you may have as well. Uninsured motorist coverage could also pay for any wages you may lose if you have to miss work because of your injuries. Approximately 14% of drivers in the United States are uninsured, which means your chances of being hit by an uninsured motorist are small, but not non-existent.

Gaps in coverage

Uninsured motorist coverage is designed to cover the gap between what the at-fault driver’s policy pays and your medical expenses when that driver has insufficient coverage. If they are uninsured, your insurance policy should be able to cover any medical bills you have in case of an accident. You can adjust your uninsured motorist policy to cover a higher or lower amount of money, depending on your preferences.

If you are at fault for an accident, your uninsured motorist coverage won’t be needed. Your regular auto insurance policy should cover personal and property damage in case you are involved in an accident with another motorcycle or a car.

As a motorcyclist, you face dangers on the road that people driving in cars don’t even think about. If you want to continue enjoying your motorcycle and the open road, consider purchasing uninsured motorist insurance with your regular auto insurance policy. This adds an extra layer of coverage for your precautions on a financial level should an accident occur.

 

Let’s talk more in-depth. Please contact our team at ProtectiveAgency.com or call (877) 739-9367. Our licensed insurance agents will be happy to answer any questions you have.